Guru Arjan Dev Institute of Development Studies (IDSAsr), Amritsar has planned to organize two days 9th IDSAsr National Seminar on the theme Financial Inclusion in the Digital Economy in the last week of November 2018 ( November 23-24, 2018 tentatively). Seminar aimed to reorient the process of financial inclusions towards sustainability, which in turn had the potential to impact the way people think. This idea abstract when compared to more tangible goals such as eradicating polio. But the truth is that lacking access to a bank account has a very real consequence:
It makes it much more expensive to be poor. Millions of families live on the border between self-sufficiency and destitution, and financial exclusion pushes them in the wrong direction. That’s why the government of India has set the goal of establishing a banking outlet in every village. People without access to a bank account have to save in physical assets, such as cash, livestock, or jewellery. Cash gets spent, animals die, and jewellery can be lost or stolen. What’s more, these forms of savings earn no interest and can actually lose value over time.

To send money to family, those without a bank account have to rely on couriers or friends who carry cash by bus, which is expensive, insecure, and slow. To borrow money in an emergency, they must turn to moneylenders who charge notoriously high interest rates. Digital accounts help fix these problems. Farmers can save their harvest proceeds in interest-bearing accounts, making it more likely that there will be enough left to buy seeds when planting season comes around. Migrant labourers can send money back home inexpensively and safely with the click of a button.

Bank accounts also help poor people join the mainstream economy. Not only do they connect the poor to formal financial institutions, but they also make it easier to exchange payments with electricity companies, government agencies, and other basic service providers. Over time, these transactions leave a digital footprint that functions as a kind of financial history, which can help the poor qualify for affordable loans. The seminar will help to equip people with knowledge of and skills making them more competent and confident while at the same time increasing their opportunities for leading a healthy and productive lifestyle in harmony with nature and with concern for social values, gender equity and cultural diversity. Contributions of all the players in the field are of utmost importance. Keeping in view once vast expertise in their own field, all are requested to please contribute your thought provoking paper for presentation and discussion at the seminar.

All interested are requested to submit their full length papers before October 2018 end. But ensure your ABSTRACT before August 31, 2018.However, early submission will help us to plan its publication schedule in a better manner.

We also encourage remote submission who cannot present their papers personally. They have to submit their presentation through ppt-mode of not more than 20 slides along with the full paper. Meanwhile you are requested to favour us with the tentative title of your paper along with authorship and it’s abstract in 300 words. Also gave wide publicity of the event in your network. Further detail will be sent to all interested in the event.

A line in confirmation at will be highly appreciated
Dr Gursharan Singh Kainth
Guru Arjan Dev Institute of Development Studies
14-Preet Avenue, Majitha Road
PO Naushera, Amritsar 143008
M No 91- 9914703461 Tel. No 91-183-5171461
website: email Ids: